Stephen Ward is Managing Director of Premier Financial Solutions (UK) Limited and also a director of Pilgrim Trustee Services Ltd. He has been involved in the pensions industry since the beginning of his career in 1976 and now regularly speaks at conferences on pensions matters. He has acted as an examiner for a number of professional bodies and is currently an examiner for the Pensions Management Institute. He is currently a member of the Pensions Industry Working Group, which is concerned with the practical implementation of pension simplification.

John Pugh B.Sc., APMI, FSFA, FLIA dip Mgt is Managing Director of Pilgrim Trustee Services Ltd and Pensions Director of Premier Financial Solutions (UK) Ltd.

He has over 30 years within the profession and has worked for Insurance Companies and Employee Benefit Consultancies in the area of strategic development and prior to forming Pilgrim Trustee Services Ltd a firm of consulting actuaries. He is a pensioneer trustee in his own right and is well known to SOFA and LIA members for his presentations on pensions. He has acted as an examiner for the Institute of Financial Services and is currently Treasurer for the North West Region of the Pensions Management Institute and Professional Development Officer for his Local Region of the Life Insurance Association.

Laurence Thackeray APMI is Operations Director at Premier Financial Solutions (UK) Ltd. Laurence has over 15 years experience in the financial services industry, particularly in pensions, employee benefits, compliance and general management. She is an Associate of the Pensions Management Institute and Affiliate of the compliance Institute.